Portfolio Model Returns Through 2018-09-30

US and Foreign Indexes 3 mo 1 yr 2 yr 3 yr 5 yr 10 yr 2008 Stock Markets (72-21-7) 5.2% 10.9% 13.7% 12.8% 8.8% 7.7% -41.0% S&P 500 PR 7.2% 15.7% 15.9% 14.9% 11.6% 9.6% -38.5% Dow Jones Industrial Avg PR 9.0% 18.1% 20.2% 17.6% 11.8% 9.3% -33.8% MSCI EAFE 0.8% 0.0% 7.7% 6.3% 1.7% 2.4% -45.1% MSCI EM -2.0% -3.1% 7.7% 9.8% 1.2% 2.9% -54.5% Barclays Agg Bond--US 0.0% -1.2% -0.6% 1.3% 2.2% 3.8% 5.2% Citi WGBI nonUSD (foreign bonds) -2.2% -1.6% -2.4% 2.4% -0.2% 2.0% 10.1% Aggressive (95% stocks-5% bonds) 4.0% 9.9% 13.0% 12.4% 8.1% 7.7% -38.9% 95 Strategic III 2.7% 10.5% 11.5% 12.3% 9.0% 10.5% -30.9% 95 Strategic USA II 4.8% 14.0% 14.4% 14.2% 11.0% 12.2% -25.8% 95 Strategic IV 2.3% 10.3% 14.7% 14.3% 9.7% 10.9% -33.5% 95 Schwab index 2017 4.7% 12.2% 14.6% 13.7% 9.9% 9.6% -34.3% 95 Schwab ETF 2018 4.9% 12.6% 14.8% 14.7% 10.3% Confluence Value Opportunities -0.2% 0.5% 9.9% 13.3% 12.5% -22.3% Confluence Equity Income 2.4% 7.6% 14.2% 11.0% 11.1% -18.9% WealthFront 9 3.2% 8.0% 12.1% 12.2% 7.5% 7.7% -38.1% American Funds Growth+Global 3.4% 13.2% 16.0% 14.7% 10.3% Moderately Aggressive (75-25) 2.9% 7.4% 9.0% 8.9% 5.9% 6.2% -31.0% 80 Strategic II 1.4% 5.3% 10.9% 10.7% 7.2% 9.9% -31.2% 80 Strategic III 2.6% 9.5% 10.3% 11.2% 8.3% 9.9% -27.7% 80 Strategic IV 1.9% 7.8% 11.7% 11.8% 8.2% 9.8% -29.2% 80 USA tilt 1.8% 6.9% 11.1% 10.6% 7.5% 9.4% -28.5% 80 Schwab index 2017 4.0% 10.2% 12.2% 11.4% 8.3% 8.3% -29.1% 80 Schwab ETF 2018 3.9% 9.5% 11.4% 11.7% 8.4% Money 75 2.6% 9.4% 11.9% 11.9% 8.5% American Funds Port Ser Gr+Inc 2.8% 9.0% 11.6% 12.0% 9.2% 8.9% -32.7% Moderate (60-40) 2.3% 6.0% 7.2% 7.5% 5.1% 5.7% -25.6% 60 Strategic III 2.1% 7.4% 8.2% 9.2% 7.0% 8.7% -23.3% 60 Strategic IV 1.5% 6.3% 9.5% 9.9% 6.9% 8.9% -24.7% 60 Schwab index 2017 3.2% 8.1% 9.8% 9.2% 6.9% 7.2% -23.8% 60 Schwab ETF 2018 3.1% 7.3% 8.9% 9.6% 7.2% American Funds Port Ser Moderate Gr+Inc 2.0% 6.2% 9.0% 9.6% 7.4% 7.9% -28.4% Moderately Conservative (40-60) 1.8% 4.4% 5.3% 5.7% 3.9% 4.8% -17.4% 40 Strategic III 1.8% 5.8% 6.3% 7.4% 5.6% 7.7% -16.8% 40 Strategic IV 1.0% 3.9% 6.4% 7.3% 5.2% 7.4% -18.5% 40 Schwab Index 2017 1.9% 5.1% 6.5% 6.2% 4.7% 5.5% -16.2% 40 Schwab ETF 2018 2.2% 4.8% 5.8% 6.7% 5.5% Hartford Balanced Income A 3.1% 3.1% 5.9% 8.4% 6.8% 8.7% -18.5% Conservative (20-80) 1.0% 2.5% 2.8% 3.6% 2.5% 3.7% -8.4% 20 Strategic III 0.9% 1.7% 2.7% 4.4% 3.3% 5.0% -9.3% 20 Strategic IV 0.7% 2.4% 3.8% 4.9% 3.7% 5.9% -11.7% 20 Schwab index 2017 1.4% 3.5% 4.0% 4.0% 3.3% 4.0% -9.2% 20 Schwab ETF 2018 1.1% 1.7% 2.6% 3.8% 3.5% NOTE 1:  Past performance is no guarantee of specific future results.  This data is presented by Potomac Wealth Strategies, LLC.  This data is from Morningstar and should be accurate, but it has not been independently verified. NOTE 2:  "Flex", "Strategic", and "Index" models are crafted/run by Potomac Wealth Strategies.  They show history of better returns, lower volatility, or both--or, with the Index models, closer tracking--vs benchmarks and competitors. NOTE 3:  "XX Schwab index" models are relatively low-cost and tax-efficient portfolios.  They are comprised mostly of index funds available free of transaction charges to my clients at Schwab.  This is what many might recommend due to low-costs and portfolio efficiency. NOTE 4:  Nothing on this blog post is specific investment advice to any individual or organization.  If the information hereon is of interest to you, please send e-mail to Info@PotomacWealthStrategies.com for a consultation.